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Christian County, Kentucky
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Lenders reported 2,110 mortgage applications in Christian County, Kentucky, for 2024, and originated 1,283 loans worth $275m.
That is 49.9 originations per 1,000 households, against 49.1 for Kentucky and 48.0 nationally.
The county's denial rate was 20.0%, below the state rate of 25.0%. The median rate spread on originated loans was 0.2 percentage points and 12.3% of originations were 1.5 points or more above the average prime offer rate.
18 lenders reached 25 applications in the county; the most active by originations were Mortgage Research Center (138), Fortera Federal Credit Union (121) and Planters Bank, Inc. (108).
Originations were up 9% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Mortgage Research Center | 224 | 138 | $32m | 5.4% | — |
| 2 | Fortera Federal Credit Union | 202 | 121 | $8.0m | 30.2% | — |
| 3 | Planters Bank, Inc. | 111 | 108 | $13m | 0.9% | — |
| 4 | Rocket Mortgage | 102 | 74 | $12m | 18.3% | — |
| 5 | Stockton Mortgage Corporation | 90 | 74 | $15m | 0.0% | — |
| 6 | United Southern Bank | 72 | 64 | $15m | 3.0% | — |
| 7 | Guaranteed Rate, Inc. | 80 | 56 | $14m | 3.4% | — |
| 8 | United Wholesale Mortgage | 81 | 54 | $13m | 10.4% | — |
| 9 | Renasant Bank | 45 | 41 | $9.0m | 6.7% | — |
| 10 | Freedom Mortgage Corporation | 69 | 37 | $8.6m | 4.5% | — |
| 11 | Us Bank, N.A. | 72 | 32 | $4.1m | 47.6% | — |
| 12 | Navy Federal Credit Union | 70 | 32 | $6.0m | 36.5% | — |
| 13 | Pennymac Loan Services LLC | 48 | 23 | $4.5m | 18.2% | — |
| 14 | Legacy Home Loan LLC DBA Steadfast Mortgage | 27 | 22 | $5.5m | — | — |
| 15 | Truist Bank | 46 | 17 | $1.8m | 57.5% | — |
| 16 | New American Funding, LLC. | 36 | 16 | $2.4m | — | — |
| 17 | Vanderbilt Mortgage and Finance, Inc | 38 | 4 | $430k | — | — |
| 18 | New Day Financial, LLC. | 25 | 4 | $790k | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 18. Denial rate is denials over decided applications in this county.
Compared with Kentucky and the nation
| Measure | This county | Kentucky | United States |
|---|---|---|---|
| Denial rate | 20.0% | 25.0% | 24.3% |
| Median rate spread, pp | 0.2 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 12.3% | 16.0% | 15.6% |
| Average originated loan | $214k | $219k | $329k |
| Originations per 1,000 households | 49.9 | 49.1 | 48.0 |
| Home purchase share of originations | 56.0% | 55.3% | 57.0% |
| FHA-insured share | 12.9% | 14.6% | 13.4% |
| VA-guaranteed share | 37.1% | 8.0% | 7.9% |
Rate spread distribution
Share of 1,027 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Kentucky). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 56% (719)Home improvement 8% (109)Refinancing 13% (161)Cash-out refinancing 16% (202)Other purpose 7% (92)
By type
Conventional 50% (636)FHA 13% (166)VA 37% (476)USDA 0% (5)
Trend by year
ApplicationsOriginations
This countyKentucky
Questions and answers
Which lenders are most active in Christian County, KY?
By 2024 originations: Mortgage Research Center (138), Fortera Federal Credit Union (121), Planters Bank, Inc. (108), Rocket Mortgage (74), Stockton Mortgage Corporation (74). 18 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Christian County?
20.0% of decided applications were denied in 2024, against 25.0% across Kentucky and 24.3% nationally.
How many mortgages were originated in Christian County in 2024?
1,283 loans totalling $275m, from 2,110 applications; 49.9 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 21047; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.